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To honor regional banks that positively impact their communities, Newsweek and Plant-A Insights Group publish an annual list of “America’s Best Regional Banks [and Credit Unions]”* every December. The publication’s 2025 list includes 46 regional banks that operate in Texas, with 39 banks based in the Lone Star State.

As Newsweek states, “Regional banks…are the financial backbone of communities nationwide. They serve as vital engines at the local level as they support small businesses, fund projects and ensure easy access to essential banking services. With intimate knowledge of local economies, these banks often form strong bonds with customers, enabling them to better meet their needs.”

The methodology utilized the Texas Ratio (a measure of a bank’s credit quality), as well as reviewed profitability and net loans and leases, press coverage over the past two years, an elaborate large-scale independent customer survey of more than 71,000 U.S. citizens, 1.9 million social media reviews and 129 million Apple App store and Google Play store reviews. Newsweek and Plant-A Insights Group then determined the top 500 regional banks (and top 500 credit unions).

Of the 46 regional banks doing business in Texas, the following 17 companies—presented in alphabetical order—received a five-star rating on the list:

American Bank
Waco, Texas
81 employees
Operating states: Texas

American Bank
Dallas, Texas
52 employees
Operating states: Texas

Austin Bank
Jacksonville
517 employees
Operating states: Texas

Broadway National Bank
San Antonio
655 employees
Operating states: Texas

Capital One
McLean, Virginia
57,364 employees
Operating states: Connecticut, District of Columbia, Delaware, Louisiana, Maryland, New Jersey, New York, Texas, Virginia

City Bank
Lubbock
575 employees
Operating states: New Mexico, Texas

Commercial Bank of Texas
Nacogdoches
246 employees
Operating states: Texas

First Federal Community Bank
Paris
83 employees
Operating states: Texas

Frontier Bank of Texas
Elgin, Texas
82 employees
Operating states: Texas

Frost Bank
San Antonio
5,602 employees
Operating states: Texas

Independent Bank
McKinney
1,490 employees
Operating states: Colorado, Texas

Prosperity Bank
El Campo
3,901 employees
Operating states: Oklahoma, Texas

Sage Capital Bank
Gonzales
90 employees
Operating states: Texas

Texas Bank
Henderson
172 employees
Operating states: Texas

Texas Community Bank
Laredo
229 employees
Operating states: Texas

Texas First Bank
Texas City
265 employees
Operating states: Texas

Trinity Bank
Fort Worth
28 employees
Operating states: Texas

Click here for more information on “America’s Best Regional Banks [and Credit Unions].”

* Newsweek’s annual list includes both regional banks and credit unions. The data regarding credit unions has been removed to address only the regional banks included on the list.

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Bankers Digest is your source for Texas banking news and information, including bankers on the move,  bank developments across the state, industry updates, regulations and job opportunities. Click here to contact the editorial department.